Head-to-head · 🇮🇳 India
HDFC Regalia vs Axis Atlas
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Regalia
VISA
Wins 5 of 10
IN
Premium
Axis Bank
Axis Atlas
Wins 3 of 10
Verdict
HDFC Regalia wins 5-3. Mid-tier travel without the Regalia Gold price tag. Axis Atlas is still the right call if travel-heavy spenders who transfer to airline partners (vistara, singapore airlines, etc.).
Side-by-side
| Criterion | HDFC Regalia | Axis Atlas |
|---|---|---|
| Annual fee | ₹2,500 | · ₹5,000 |
| Joining fee | ₹2,500 | · ₹5,000 |
| Top reward rate | · 2.7% (general) | 10% (travel) |
| Base reward rate | 2.7% | · 2% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points on first 90-day spend | = 5,000 EDGE Miles on joining |
| Fee waiver threshold | ₹300,000 / yr | · ₹750,000 / yr |
| Min income | · ₹1,200,000 | ₹800,000 |
| Min credit score | = 770 | = 770 |
| Editorial rating | · 4.3/5 | 4.7/5 |
Benefits compared
HDFC Regalia
- 4 reward points per ₹150
- 12 domestic + 6 international lounge visits/year
- Low forex markup 2%
- Buy-1-get-1 BookMyShow tickets
- Milestone reward points at ₹1L, ₹5L
Axis Atlas
- 5x EDGE Miles per ₹100 on travel (5x cap above standard rate)
- 2 EDGE Miles per ₹100 on everything else
- 8 international + 8 domestic lounge visits/year
- Transferable to 20+ airline + hotel partners (1:2 ratio)
- 3.5% forex markup (high — pair with Diners for international)
FAQ
›HDFC Regalia vs Axis Atlas: which is better?
HDFC Regalia wins on more dimensions (5 vs 3). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use HDFC Regalia for its best categories, Axis Atlas for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Regalia: 2,500 reward points on first 90-day spend. Axis Atlas: 5,000 EDGE Miles on joining.